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Allianz Travel Insurance Review: Is it Worth The Cost?

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

What does Allianz Travel Insurance cover?

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• Annual or single-trip policies are available.
• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Travel Insurance is provided by Allianz Global Assistance, an insurer that operates in 35 countries and serves 40 million customers in the U.S. The company offers several types of travel insurance plans depending on your needs.

Travel insurance will help protect you if unexpected events affect your vacation. Whether you’re looking for a comprehensive plan or emergency medical coverage only to supplement the travel insurance you have from your credit cards , Allianz Global Assistance offers plenty of options.

Allianz trip insurance plans fall into two categories: single trip and annual/multi-trip plans. We evaluated several single trip and annual/multi-trip plans to help you figure out which policy makes sense for you.

Depending on what type of coverage you’re looking for, Allianz offers several different travel insurance options. Allianz’s plan choices fall under single trip or annual/multi-trip plans.

Single trip plans are designed for individuals who are leaving their home, visiting another destination (or destinations) and returning home. These travel insurance plans are the most comprehensive and provide benefits like trip cancellation, trip interruption and medical coverage. 

Annual/multi-trip plans are designed for those who like to take a lot of little trips throughout the year as well as for business travelers. Because the coverage period is longer, these plans are more expensive.

Some of these plans include medical coverage only while others also provide more comprehensive travel insurance perks. There’s coverage for business equipment as these plans are geared toward work travelers.

Allianz offers five travel insurance plans for single trips, including a plan that's mainly focused on emergency medical coverage.

The OneTrip Cancellation Plus plan is geared toward domestic travelers who are looking for trip cancellation, interruption and delay coverage but don't need post-departure benefits like emergency medical or baggage loss. This plan is Allianz’s most affordable option.

OneTrip Basic, Prime and Premier are three comprehensive travel insurance plans.

OneTrip Basic is the most economical plan and offers trip cancellation, interruption and delay benefits along with emergency medical and baggage loss.

OneTrip Prime provides all the benefits of the Basic plan but with higher limits, a few extra coverage areas and complimentary coverage for children 17 and under when traveling with a parent or grandparent.

OneTrip Premier offers the most coverage, doubling almost every post-departure limit of the Prime plan with more covered cancellation reasons.

If you don't need pre-departure trip cancellation and interruption protections or you already have coverage through a premium travel credit card , the standalone OneTrip Emergency Medical plan may be a good choice. The plan mainly provides emergency medical protections along with some baggage loss/delay benefits.

» Learn more: Travel medical insurance: Emergency coverage while you travel internationally

Allianz single-trip plan cost

Here's a look at the cost of an Allianz travel insurance policy for a one-week, $1,500 vacation to Croatia in August 2020 taken by a 30-year-old from Texas.

The OneTrip Premier is the most expensive plan and provides the highest level of protection, especially for emergency medical events.

However, if you’re OK with lower limits on emergency medical, a OneTrip Prime or Basic plan could be a more appropriate choice. These costs represent a range of 3.4%-7.5% of the total cost of the trip, which is in line with typical costs of 4%-8%, according to the U.S. Travel Insurance Association.

» Learn more: How to find the best travel insurance

Allianz offers four different annual/multi-trip plans.

AllTrips Basic is suitable for those who would like emergency medical coverage while abroad but don't need trip cancellation and interruption benefits. The AllTrips Prime, Executive and Premier plans provide an entire year of comprehensive travel insurance benefits.

The Executive and Premier plans offer various levels of trip cancellation and interruption benefits. The Executive plan is specifically designed for business travelers since it offers protection for business equipment.

Allianz annual/multi-trip plans cost

Let's look at an example of an annual Allianz travel insurance plan that starts in July 2020 for a 50-year-old from Illinois.

Coverage under these plans is offered for trips up to 45 days in length.

The AllTrips Executive plan costs significantly more than the other plans; this is mainly due to higher trip cancellation coverage, emergency medical and business equipment protections. The Executive coverage amount for trip cancellation can be increased beyond what is quoted here, driving that plan's price up to as much as $785.

If you’re not concerned with pre-trip cancellation benefits and don’t need the increased level of medical coverage, the Basic plan is the most affordable option.

For trips longer than 45 days, the AllTrips Premier plan might be a better choice as it offers coverage for up to 90 days. Using the same search parameters but with 90 days of coverage per trip, the cost of the annual plan is $475.

Choosing the right plan for your trip involves understanding what type of coverage you will want while you’re abroad.

If you have a premium travel card (e.g., the Chase Sapphire Reserve® ): These cards often offer some trip cancellation and trip interruption coverage, so you may not need a plan that offers all the same coverage. In this case, getting the OneTrip Medical plan might be enough.

If you’re going on a trip and returning home: OneTrip Prime, Basic or Premier are good options to choose from while offering different levels of coverage.

If you’ll be going on multiple and longer trips: the AllTrips Premier plan might be best as it provides insurance benefits for trips up to 90 days in length. The remaining three annual AllTrips plans cover multiple trips, up to 45 days.

If the coverage provided by your card isn’t adequate, you don’t have credit card coverage or you didn’t pay for your trip with that credit card: In these instances, it's best to choose a comprehensive plan depending on how much coverage you need and for how long. Consider one of the single trip or multi-trip plans.

» Learn more: Your guide to Chase Sapphire Reserve travel insurance

Yes, head over to AllianzTravelInsurance.com and choose "Find a Plan" from the menu on the top.

You will be able to view all plans or see plans categorized by single trip, annual/multi-trip and a rental car add-on option. Once you’ve decided on the plan you want, choose the "Get a Quote" option.

You will be required to input the relevant trip details before you can see which plans are available to you in your state.

» Learn more: Is travel insurance worth it?

Travel insurance plans have a lot of exclusions that you need to pay attention to so you know exactly what type of coverage you’re getting. Here are some general exclusions you can expect:

High-risk activities: Skydiving, bungee jumping, heli-skiing, and other types of high-risk sporting activities that the insurer deems unsafe.

Intentional acts: Losses sustained from intoxication, drug use, self-harm and criminal activity.

Specifically designated events: Epidemics, natural disasters and war are specifically mentioned in the policy as exclusions.

It's important to note that exclusions may vary based on the policy and where you live, so it's always best to review the fine print to ensure you’re clear about what is and isn’t covered.

Allianz has been offering insurance for more than 25 years. The company is well established and offers numerous single and annual travel insurance policies to fit many different needs.

Allianz travel insurance plans offer a wide array of benefits including (but not limited to): coronavirus-related coverage, trip cancellation, interruption, emergency medical coverage and transportation, baggage loss/damage, baggage delay, travel delay, change fee coverage, loyalty program redeposit fees, 24-hour assistance and many more benefits. Each plan is different, so you’ll want to look at the specific plans you’re considering to know exactly which benefits you’ll receive.

No, Allianz doesn't offer the Cancel For Any Reason optional upgrade. Review the policy details of the Allianz plan you’re considering to ensure you’re comfortable with the list of covered reasons. For example, the loss of a job can be considered a covered reason, but wanting to cancel a trip because you’re afraid to travel isn't.

Most often, you will need to file a claim with the insurer after you’ve incurred costs. If the claim is approved, you will receive a reimbursement. In other instances (e.g., covered baggage delay), the insurer will pay you a fixed amount per day and you won’t need to submit receipts.

Allianz Global Assistance offers several good travel insurance plans to choose from. If you’re looking for a travel insurance plan for a vacation, a single-trip plan is your best bet. 

If you’re a frequent traveler or take lots of business trips, a multi-trip plan could be the way to go. If you have a travel credit card, look at what travel insurance benefits you may already have so you don’t duplicate your coverage .  

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

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Allianz Partners USA   Reviews

In the Travel Insurance Company category

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Reviews 4.3.

72,155 total

Most relevant

First time filing a claim was easy!

Since COVID, it made sense to purchase travel insurance for vacations like cruises. During our recent cruise we had an itinerary change, missing a port we hoped to visit. The claim process was easy using the app and reimbursement went directly into our account. Being this was our first time filing a claim, we are happy with the process and the insurance product we bought.

Date of experience : 16 April 2024

Reply from Allianz Partners USA

Hi John, We're delighted to hear that you had a positive experience with our travel insurance during your recent cruise. We understand how important it is to have peace of mind when traveling, especially during uncertain times. We're glad that the claim process was easy and convenient for you, and that you were reimbursed promptly. Thank you for choosing our insurance product and for taking the time to share your positive feedback. We appreciate your business and look forward to serving you again in the future. Best regards, Chemia- Social Care, USA

Thankful for purchasing insurance

We're so thankful that we purchased the travel insurance. Contacted Allianz to start the claim. Allianz was very helpful to let us know what we need to submit or if they needed additional documentation. We provided that and was reimbursed all but one night at the hotel (and we understand that). Thank you very much!

Dear Valued Customer, We appreciate your feedback and are delighted to know you are protected by our travel insurance. Your satisfaction is our top priority, and we look forward to serving you again soon. Sincerely, Nolden Social Care USA

Simple and easy process

I purchased travel insurance for an airline ticket - but the event I was attending was canceled. I was able to cancel my flight and received about 2/3 of my ticket cost back in airline credit. I filed my claim with Allianz and had the remaining cost back within a couple days. The process was super simple through the app, I just filled out the form and uploaded my supporting documents. No questions asked, just received a notice that my account was credited.

Date of experience : 12 March 2024

Dear Valued Customer, Thank you for sharing your experience with us! We are thrilled to hear that you have positive things to say about Allianz Partners. If you are attending another future event, please let us know and we would be happy to provide protection. Sincerely, Stacey Social Care USA

As an aging traveler I will purchase Allianz insurance on all trips in the future.

While I was sad and upset I could not enjoy my travel plans to visit long time friend Allianz came through for me with quick and complete help in obtaining a full refund for the trip I had to cancel due to health issues. Very efficient and timely! I won’t travel without Allianz on any flight in the future.

Dear Jane, Thank you for your kind words and support. We’re grateful to have you as a valued customer. Don’t hesitate to reach out if there’s anything else we can assist you with. Sincerely, Nolden Social Care USA

Liked the different tiers of coverage

I found the web site very easy to use for purchasing insurance. I also liked the different tiers of available coverage, which allowed me to opt out of coverage for things that I already have coverage for through other means. And the price was right in the average range of 4 - 6% of the total cost of the trip. Would definitely use Allianz again!

Dear Chris, Thank you for taking the time to share your positive experience with Allianz. We're delighted to hear that you found our website user-friendly and appreciated the flexibility of our coverage options. It's great to know that you found our pricing competitive as well. Your satisfaction is our top priority, and we're thrilled to have met your expectations. We truly value your business and look forward to serving you again in the future. Best regards, Chemia- Social Care, USA

Good communication but claim submission process still

The timeframe from submission to resolution was a little delayed but overall very acceptable. Allianz kept me updated and that was great. The website was a little confusing—it kept saying I needed more information even though claim hadn’t been reviewed yet. My TA suggested I just wait which turned out fine.

Dear Jane, We are grateful that you took the time out to leave us a review! Sincerely, Nolden Social Care USA

Definitely a learning experience.

Got reimbursed eventually but it was not an easy process. Went round and round on what documentation was required and then had to resubmit for additional days. Now that I have a better understanding of how things work Iwill purchase again. I will be taking 2-3 trips per year and will get an annual policy.

Pretty easy and quick

It was pretty easy to gather the information needed for my claim and post it. And I received my refund in 3 days! Giving 4 stars because I didn’t know until after I started the application that I needed a letter from my physician. I tried to save my info, but had to start over anyway. For medical claims, please let people know before they start posting info that they need this letter!

Date of experience : 17 April 2024

Dear Valued Customer, We are grateful that you took the time out to leave us a review! Sincerely, Nolden Social Care USA

I have used Allianz in other trips

I have used Allianz in other trips. I've always been quite pleased. Unfortunately, this time I had to cancel my travels by my doctor's order. Hopefully, I will be free to travel in October or November.

Date of experience : 15 April 2024

Dear Valued Customer, Thank you for sharing your experience with us! We are thrilled to hear that you have positive things to say about Allianz Partners. We look forward to protecting your travels again soon! Sincerely, Stacey Social Care USA

Canceled Vegas trip.

Phone representatives were helpful and knowledgeable. Don’t usually get insurance. Was glad I did this time as we had to cancel our Vegas trip due to health reasons. Money sent to my bank account in a timely manner.

Fast and reliable

Allianz is a life saver if you have the unexpected happen on your travels. No one wants to think about injuries and hospitals when on vacation. Allianz helped take the stress off a really hard time. Highly recommend!

Date of experience : 09 April 2024

Dear Valued Customer, We are delighted to hear that we provided you with peace of mind and support during an unexpected situation on your travels. Thank you for taking the time to share your positive experience and highly recommending our services. We truly appreciate your trust in Allianz. Best regards, Chemia- Social Care, USA

Fast refund

My case was pretty straight forward -- had to go to the ER for one and a half days starting on the day of our flight, which we obviously cancelled. It was easy to submit the documents and we were fully reimbursed a few days later, faster than I expected. It helped that I had called Allianz before I even cancelled the flight so I knew what kind of documentation I would need from the hospital. Also, I submitted documentation for both of us being present in the ER (even though only one of us was the patient) so both of our fares would be reimbursed.

Dear Graham, It makes us incredibly happy to know that we were able to help you. We'll continue working hard to provide you with an excellent experience. Sincerely, Nolden Social Care USA

“Bad break” still ends well

Due to a left foot fracture just weeks before our planned trip to Savannah, GA, we couldn’t reasonably do the kind of on-foot travel adventure we planned. Although extremely disappointed about my foot injury, our Allianz insurance made the pain less problematic. The insurance ensured that with time and proper healing, we have the funds to reschedule the trip for another time when I’m healthy. Easy procedures to follow for our request; hassle free and professional service. Thank you!!

I don't have a lot of experience here

I don't have a lot of experience here, filing only one other claim with decades of travel. Allianz was far better than the other travel insurance company we dealt with. On location support in Mexico was a 3; didn't seem to have local knowledge to fully and conveniently support, causing me worries. Could also have communicated more. Claim process was a 5, both efficient and fair.

Date of experience : 02 April 2024

We bought travel insurance for our…

We bought travel insurance for our upcoming European trip. We answered that we were going to Portugal, Spain and France for 2 months. My husband and I contracted a pulmonary infection while staying in Tarragon Spain. Upon my return to the States, I provided all the necessary documents asked by Global Allianz. I was then asked for more documents. Train tickets , rental. I uploaded again the documents. I was again asked for more documents such as E tickets , and more. Our claim is still being reviewed. This insurance plays every games in order to discourage you from filing your claims. I am ready to file a federal insurance complaint against them.

As this is our first time that we…

As this is our first time that we needed to submit a medical claim, the process was fairly easy. It was easy to upload any needed documents and complete the claim form via our computer. The response was quick, easy to understand the claim results, as well as reasons for any part of our claim that could not be honored.

The bargain Price that was not.…

The bargain Price listed escalated by 1/2 with stories of better accommodations, better flights, less waiting, better towns, that prices went up and the like. etc. etc. The salespeople very nice but aggressive wanting one to decide right away as the promotion will expire or be full and missed this opportunity.

Date of experience : 26 April 2024

This is our opinion and experience

This is our opinion and experience: Don’t bother getting it. It’s a complete waste of money and time. You won’t get anywhere with this supposed airline travel protection service. Customer service is the worse. Their customer service team is unable to provide or explain coverage clearly. And when you’re finally transferred over to their supervisor (He’s) annoyed by your questions that you can clearly sense (He’s) not there to assist you at all in understanding how their policy works and how it may be used effectively and efficiently. (He’s) just waiting for you to hang up. It’s a complete scam and fraud!

Dear Roxana, We sincerely apologize for the frustrating experience you had with our airline travel protection service and customer service. We understand your disappointment and take your concerns very seriously. Our goal is to provide our customers with clear and comprehensive coverage, and we regret that we fell short in this instance. We are actively working to improve our customer service processes and ensure that our team is well-equipped to assist you effectively. Your feedback is invaluable in helping us identify areas for improvement, and we will use it to enhance our services. Thank you for taking the time to share your experience with us. Sincerely, Kris Social Care USA

Piece of mine will pay for

At first, I was very septal that it was gonna be a hassle to use insurance after providing proper limitation, They made a hassle, free and easily made was very surprised. I would definitely be using their services again from now on for peace of mind..thanks you

Dear Ismael, Thank you for sharing your experience with us. We appreciate you being a valued customer and please don't hesitate to reach out to us if you ever have questions or need any assistance. Best regards, Chemia- Social Care, USA

My experience both times due to illness…

My experience both times due to illness one travel and one concert show..they stood by their information..I use Allianz with each purchase I make that offers the insurance..ever great full! Thank you!

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Allianz Partners USA   Reviews

In the Travel Insurance Company category

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Write a review

Reviews 4.3.

72,155 total

Most recent

They kept me up to date in my claim…

They kept me up to date in my claim progress. My refund arrived about a month after I filed.

Date of experience : July 28, 2022

Airline ticket refund due to Covid.

Great company to do business with, they did exactly what they said they would. Processing time was slow but they finally got everything resolved.

Your company is the worst we have EVER…

Your company is the worst we have EVER dealt with. I think you you are corrupt, and play unbelievable games in order to not pay reasonable claims. Five months of frustrating letters, unreasonable requests, and outrageous phone calls FINALLY GOT RESULTS. BS…we were ready to call the state Insurance Department, and get an attorney. You deserve to be shut down and we will NEVER use your “services” again…you SUCK.

Well I did get money out of this…

Well I did get money out of this policy. But I feel that they gave me the absolute minimum they could get away with. They didn't ask me about my missed flights or any other expenditures that were going to have to be encumbered because of the train being 9+ hrs late. I kinda got a here's $200 count your stars lucky you get that.

I love the prompt response

I love the prompt response. Process was smooth and granted. 😁

Reasonably easy to file a claim and…

Reasonably easy to file a claim and reach by phone.

Still waiting for settlement!

In February we had a medical issue while on vacation. After filing the requested documentation we received settlement for "Trip Interruption" expenses but have yet to receive settlement for "Medical Expenses." The status has indicated under review pending added documentation. After contacting the company several times to clarify what added bills are required we have gotten the same response that they have what they need. We have waited six months at this point and am perplex at what the problem truly is.

The purchased insurance was worth the extra protection

At the airport I called and told them my situation. The representative took down my information about my claim and also told me to file a claim online as well.I did what I was told to do and everything worked out fine for me.

Unnecessary Aggravation

Glad that my money was refunded but was it really necessary to ask for my father’s death certificate, I think it was a bit much. Would I not have gotten my money back if I got sick? Would you need a doctor’s note. The insurance served its purpose but was aggravating having to deal with this matter while grieving a loved ones death.

I purchased Allianz protection for a concert

I purchased Allianz protection for Corinne Bailey Rae concert tickets without expecting to need it. However, due to a change in my husband’s work schedule we did. After providing a few documents a check was mailed to me within the timeframe specified. I also appreciate the company’s transparency (you knew in advance what is covered and required to receive a refund). The updates provided via email and their app were also extremely helpful. I recommend purchasing protection through Allianz especially when making a substantial purchase that would otherwise not be refunded.

I requested a refund for my cruise do…

I requested a refund for my cruise do to medical issues. I faxed the requested paperwork to the number provided May 24th. After 2 weeks I hadn’t heard anything so I called. They said they never received it and I would have to resend. I then resent it via email which again they said they never received it so I resent it again. I kept getting emails that said it would not go through. After 2 months I discovered that the email address on your paperwork was incorrect. It showed a capital I instead of a lower case. I then mailed it via USPS as well. Very frustrating

FIRST CLASS SERVICE AND CUSTOMER CARE

Vicki Walker was very helpful, friendly, listened and dealt with my query immediately, also confirming our conversation and action taken by email. This is so very rare nowadays to get such excellent customer service. She is a credit not only to herself but Allianz Global -THANK YOU

I happy that I chose Allianz Global as…

I happy that I choose Allianz Global as part of my purchase. AWSOME customer service and always received a response in a timely matter.

Thank u for the quick response and…

Thank u for the quick response and action.. my refund was done without any delays,

Annual package a great deal

I bought th Annual package and had to make use of it almost right away when my luggage was late by three days. I had to buy clothes and toiletries and I made my claim. It was efficiently dealt with and the full claim was paid and put directly into my account. I had 20 plus people with me 9 of them had Allianz and every claim was paid. I am quite happy with this service.

Got sick , coulnt travel with doctors orders. paid quickly. will use again.

Disappointed

No email, no reaction after the update. No benefit even now.

Cancellation due to COVID positive .My family and I had to cancel our…

My family and I had to cancel our travel plans due to all 4 of us testing COVID positive, and the hotel charged us a very stiff penalty, due to a last minute cancellation. Allianz Global took care of us and approved the losses incurred. I received the funds promptly to my bank account. Thank you so much, I will definitely purchase another policy with the. In the future. They are awesome, thanks again!

Doctor statement requirement

We had trip interruption with an ER visit. The claim required a doctors statement which is very difficult to try to get and sometimes impossible. It delayed our claim by several weeks trying to get this claim requirement modified

Covid Coverage

We had to stay at a hotel because of covid coming off a cruise. Allianz covered our Hotel cost, and meal expenses during our unexpected event.

Allianz Travel Insurance Review (2024): Are they legit?

Travel insurances are necessary and recommended for traveling, but how do you know which ones are the best for you? Is Allianz travel insurance any good, and are their policies for you? Keep reading to find out what they offer so you can be in the know before you buy.

Whether you're a seasoned or newbie traveler, you've most likely heard of other travelers purchasing travel insurance. 

Since traveling carries many risks, purchasing insurance can be an easy and efficient way to safeguard yourself against anything unexpected or any snafus in your travels. 

Once you know you want to purchase travel insurance, you're met with a host of different providers - how do you know which one to choose? We've reviewed some travel insurance providers and even some travel insurance comparison sites like  InsureMyTrip . Still, we've got another to add to the mix: Allianz. 

Read on to see if they're a good fit for insuring your next travels! 

What is Allianz Travel Insurance?

Before diving into their travel insurance, let's get some background information on Allianz themselves. While they offer comprehensive travel insurance, that's not the only thing they do. As a German financial service management company, Allianz specializes in multiple areas of insurance for both corporations and individuals. Founded in 1890, the company has only continued to grow and expand within its services and around the world. 

Allianz Travel Insurance

As such a global company, Allianz is a big name in the travel insurance industry, frequently offering comprehensive packages at reasonable prices, but what does that mean for you as a traveler? Allianz policies offer different levels of coverage. Generally, Allianz's travel insurance policies will cover trip cancellation, emergency medical and associated expenses, missed departures, trip delays, and legal expenses. You can upgrade policies for more coverage. 

Policies and Packages

Allianz offers  single trip ,  annual , and backpacker policies, so you can choose the one that best fits your upcoming travels. With the single trip and annual policies, you can choose between bronze, silver, or gold packages. 

Each type of package offers different coverage levels, with bronze covering the least but most affordable to gold covering the most but pricey. The  backpacker policy  covers explicitly with and without skis as their different coverage levels. 

No trips are the same. Allianz will give you a quote before you commit to any of their plans to make sure you're tailored with the best plan/pricing suitable for you. 

Using Allianz online tool, you can fill out the following information that gives them a better idea of the kind of trip you'll be taking:

• What kind of trip (single, multi-annual, backpacking, business, etc…)
• Number of travelers
• Trip start and end date.
• Birthdate(s) of all travelers.
• Destination (up to three countries).

This will then give you a quote you can use to determine which level of coverage you want and whether Allianz insurance is within your travel budget!

Allianz Covid-19 insurance

One of the emerging reasons travelers rush to purchase travel insurance is the Covid pandemic. With restrictions ever-changing and testing requirements still existing, it's not out of the realm of possibility for Covid to derail your travels. 

Keeping with the times, Allianz does have a decent  Covid-19 policy  that outlines what it does and doesn't cover. In some circumstances, like if you need to cut a trip short to care for a loved one who has Covid, you will have to provide written documentation to receive compensation. 

Allianz Travel Insurance Reviews

Sometimes the best way to gauge whether a travel insurer is right for you is to hear about it from other travelers. On Trustpilot, Allianz travel insurance reviews holds a rating of 4.2/5 stars, with 84% of the reviews being "excellent." Many recent reviews speak to a lack of customer service and difficulties in filing their claims, with long waits to hear back from anyone at Allianz. 

Filing a claim with Allianz

If you need to file a claim after your travels, you can do this a couple of ways. 

You can use the  online form ,  which will require inputting all the information about your policy and details about why you're filing a claim. You can also email their travel email to receive the forms and then mail them off to file a claim. Keep in mind that their travel email also varies by country, so you'll need to retrieve the local email from which you've purchased your policy.

Contact information

Even though travel insurance can be pretty straightforward, that doesn't mean there won't be many situations where you'll need help. Contact details for Allianz travel insurance policies will vary from country to country, so make sure you look up your local contact number! 

If you're in the US, you can contact Allianz using  this online form  or reach out to them by calling 1-866-884-3556.

Is Allianz worth it?

Travel insurance is always recommended, but should you be using Allianz? 

Overall, they offer policies at multiple price points and cover a fair amount of travel "what ifs." Still, lately, their customer service and claim approval rates haven't been what they were late. It's not the perfect travel insurance, but no travel insurance will be 100% perfect with ever-changing travel requirements.

If you find their policy to cover everything you'll need for your trip, you can try Allianz travel insurance!

Our review: 3.8/5 

• Comprehensive policy for all types of travelers.
• Three coverage levels at three other price points
• Robust Covid-19 policy.
• Hard to reach customer service
• Poor or slow refund process.
• Complicated policies communicated poorly to the public.

Planning for success is free insurance!

Whether you opt to use Allianz or use a different provider like  Safetywing , or  InsureMyTrip , it's always worth the peace of mind to have travel insurance when you head off on your adventures. 

You'll want to research which provider offers the best coverage for you as a traveler and which one best fits your budget. Still, Allianz is definitely a well-known name in the travel insurance game!

The first and free insurance you can have is to plan for everything on your trip. That way, when things go wrong, your travel plan can redirect you without you having a panic attack. For that, we recommend Pilot!

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Disclosure : Pilot is supported by our community. We may earn a small commission fee with affiliate links on our website. All reviews and recommendations are independent and do not reflect the official view of Pilot.

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Allianz Partners USA   Reviews

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Reviews 4.3.

72,155 total

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I requested to get my money back

I requested to get my back and some reason when I did it wasn’t enough information. My flight to Atlanta was May 31- June 2 and I couldn’t go due to getting a new job.

Date of experience : 16 April 2024

Very easy to obtain our refund when we…

Very easy to obtain our refund when we unexpectedly had to cancel our flight reservations. Thank you very much for being so prompt and understanding.

Date of experience : 09 April 2024

I called multiple times over the course…

I called multiple times over the course of 3 months before receiving my refund. All documentation was provided, yet the check was not issued for months.

Reply from Allianz Partners USA

Hi Susan, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your experience. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

Fast reimbursement

We couldn't use two of our concert and event tickets in Vegas so we filed a claim for reimbursement and received payment within about two weeks.

Date of experience : 21 April 2024

Dear Valued Customer, Thank you for taking the time to share your experience with us. We understand that not being able to use your concert and event tickets in Vegas was disappointing. Your feedback is valuable to us, and please don't hesitate to reach out to us if you ever have questions or need any assistance. Best regards, Chemia- Social Care, USA

I have always purchased the added…

I have always purchased the added insurance and when we went to our concert we quickly learned it was the wrong artist. No consideration in regards to the 6 hour travel and hotel accommodations we endured.

Date of experience : 08 April 2024

My car broke down and I provided proof and they denied my claim. I will never buy ticket insurance again and I will advocate against it to other so they are aware of this scam.

Hi Kayla, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I’m so sorry to hear the insurance you purchased did not fit your needs. While we have designed our products to cover the most common unforeseen situations our customers might encounter, not all events and situations are those that trigger protection in our insurance programs. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

Paid for a service that I did not in…

Paid for a service that I did not in fact get. Beyond frustrated and the fact that you all wanted someone else’s specific medical records is absurd

Hi Kelsi, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your experience. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

Insurance Coverage…ALWAYS!!!

The process to submit my claim was very easy. Followed the directions precisely and my claim was paid without questions or delays.

We had a 12 hour flight delay and…

We had a 12 hour flight delay and missed a day of our extended tour for a cruise. Allianz refunded us promptly.

Date of experience : 22 March 2024

Easy to file claim

Easy to file claim. Was updated with emails about the delay. Customer service was good with concerns. Once claim was started process didn’t take long.

Date of experience : 06 April 2024

I purchased an insurance plan on…

I purchased an insurance plan on concert tickets that I wasn't able to attend and you guys wouldn't refund my money. Scam!

Hi Ashley, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I’m so sorry to hear the insurance you purchased did not fit your needs. While we have designed our products to cover the most common unforeseen situations our customers might encounter, not all events and situations are those that trigger protection in our insurance programs. If you have further questions about the outcome of your claim or would like to review the plan you purchased in full detail, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

Unexpectedly had to stay overnight…

Unexpectedly had to stay overnight paying 350 dollars for a room Missed a funeral service Was reimbursed 150 for the trouble

Dear Annette, We are grateful that you took the time out to leave us a review! Sincerely, Nolden Social Care USA

Not worth the purchase

If I could give zero stars I would. I think this company is a scam. I have called and emailed several times about my claim. I cannot seem to get answers. If death isnt reason enough i dont know what is. Absolutely horrible!

Date of experience : 15 April 2024

Hi Anna, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your experience. If you’ll email us at [email protected], we’ll be happy to assist you further. Best Regards, Chase R. Social Care, USA

There was zero help and I was asked for…

There was zero help and I was asked for documentation in the middle of a really messed up time it would have been nice if I was actually treated like I was calling the wrong number

Date of experience : 17 April 2024

Quick refund

I was in the hospital days before and after the concert. After I submitted the paperwork I had a full refund within a week.

Clear instructions for making a claim

Clear instructions for making a claim, and prompt response. My refund came through in record time!

Dear Karen, This is Chemia from the Social Care Team. We appreciate your feedback and are delighted to know that your claim was quickly resolved. Your satisfaction is our top priority. Sincerely, Chemia Social Care USA

Endless requests for documents even…

Endless requests for documents even though they were previously submitted. It is ridiculous what is needed for a small claim.

Hi Gary, thank you for posting on Trustpilot and providing me with the opportunity to respond to your comment. I am so sorry to hear about your experience and appreciate your feedback. While it's not our intention to complicate the claims process, we do require the specified documentation in order to move forward with your claim. If you have further questions, please email your information to [email protected] and we will be happy to assist you further. Best Regards, Chase R. Social Care, USA

You scammed me! Shame on you

I bought this insurance so that I could change my ticket if needed…. But this is just a scam… You readily took my money but I was unable to change my flight. Shame on you for falsely advertising.!!!

Dear Tonja, We are grateful that you took the time out to leave us a review! Sincerely, Nolden Social Care USA

Quick response and payment (about 24…

Quick response and payment (about 24 hrs) after I filed a claim for a cancelled flight. The process was east to understand.

Dear Valued Customer, Thank you so much for taking the time to provide feedback! Sincerely, Nolden Social Care USA

Smooth interface with prompt response

Easy user interface on the website with description of necessary forms and uploading documents. Prompt responses with clear next steps.

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Allianz Travel Insurance Review (2024)

Learn about Allianz travel insurance to find out if it’s right for you. We compare the cost, customer reviews and policy options offered by Allianz.

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Allianz Travel Insurance, from Allianz Global Assistance, offers popular insurance products, and it’s our pick for business travelers. Allianz is a popular choice among business travelers due to its AllTrips Executive travel insurance policy with coverage for lost, stolen or damaged business equipment and rental car insurance.

Earning 4.1 out of 5 stars , our expert reviewers think Allianz is a great choice for international travel insurance.

Our Thoughts on Allianz Travel Insurance

We at the MarketWatch Guides team awarded Allianz Travel Insurance 4.1 out of 5 stars based on our provider review methodology. Named our pick for concierge services, Allianz offers 24/7 travel assistance through a multilingual team, which can help policyholders with travel and coverage issues while abroad. This service includes help with hotel and flight re-bookings, stolen travel documents, medical care arrangements and more.

Allianz scored highly in the customer service and reviews section of our methodology. Along with 24-hour assistance and concierge services, it offers a mobile app and various ways to file a claim, according to our research. However, Allianz does not offer cancel for any reason (CFAR) coverage with any of its plans, an add-on that many other companies we’ve reviewed feature. It’s also one of the pricier providers we’ve gathered quotes for, so if you’re looking for a budget plan, Allianz may not be a good fit.

According to our survey of 1,000 people who have purchased travel insurance, 16% went with Allianz. Of those customers, 93% said travel insurance is worth the cost, with most citing peace of mind or financial protection as the reason.

Pros and Cons

How allianz scored in our methodology.

When we analyzed Allianz using our travel insurance ratings methodology, the company scored 4.1 out of 5 stars . The provider lost points in all categories except for coverage details and customer service and reviews and was awarded zero points for not offering cancel for any reason (CFAR) coverage.

Compare Allianz to the Competition

Use the table below to compare average plan costs, “Cancel For Any Reason” (CFAR) coverage and COVID-19 coverages of all our top travel insurance providers to Allianz Global Assistance:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Allianz v. Seven Corners

When compared, Allianz and Seven Corners present different benefits. Seven Corners’ Trip Protection Choice plan is almost 33% cheaper than the Allianz OneTrip Premier plan, and it offers $500,000 in medical expense coverage versus Allianz’s $75,000. However, Allianz provides higher benefits for lost baggage and baggage delay coverage.

See the table below for a comparison of similar plans offered by Allianz and Seven Corners.

Read our Seven Corners Travel Insurance Review to learn more.

Allianz vs. Generali Global Assistance

Generali Global Assistance’s Premium plan costs slightly less than Allianz’s OneTrip Premier plan while providing more than double the medical expense coverage. Generali also provides 175% trip interruption coverage versus Allianz’s 150%. However, Allianz offers higher baggage delay and trip delay benefits.

Compare similar plans from Allianz and Generali Global Assistance using the table below.

Check out our Generali Global Assistance Travel Insurance Review to learn more.

What Does Allianz Travel Insurance Cover?

Allianz offers basic travel insurance with its OneTrip Basic plan and the coverage compares favorably to other providers. It’s marketed as a plan to fit your budget with essentials covered to offer peace of mind. Here are the insurance coverage limits offered by the Allianz OneTrip Basic plan:

• $10,000 of trip cancellation costs
• $10,000 of trip interruption costs
• $10,000 for emergency medical
• $500 for emergency dental expenses
• $50,000 emergency medical transportation
• $500 baggage damage/loss
• $200 baggage delay
• $300 travel delay

Allianz travel insurance coverage extends to other policies to suit a wide variety of travelers looking for a basic plan.

• OneTrip Emergency Medical: This affordable plan doesn’t include trip cancellation or trip interruption benefits. However, it offers emergency medical coverage up to $50,000 and travel accident coverage up to $10,000, among other benefits.
• AllTrips Basic: A more comprehensive plan that provides year-long protection for one low rate. It includes travel delay coverage of up to $600 and emergency medical coverage up to $20,000, along with baggage coverage of up to $1,200.

Optional Riders

Add-ons, also known as insurance riders, are travel insurance options you can add to a policy to increase your coverage. Allianz offers optional trip protection designed to safeguard you from financial losses regarding specific risks or activities.

• Hazardous Sports Travel Insurance: This add-on covers costs associated with certain activities, including deep-sea fishing, skateboarding and wall climbing. Other benefits include trip cancellation coverage for ski vacations of up to $500 and reimbursement of up to $300 for damaged, lost or stolen ski equipment.
• Terrorism Extension Cover: Covers loss, damage or injury in the event of an act of terrorism to you as an innocent bystander of up to $100,000.
• Cancel Anytime: Available with premium policies such as OneTrip Premier, this optional upgrade of cancel for any reason (CFAR) coverage reimburses 80% of non-refundable costs if you cancel your trip for reasons your standard plan may not cover.
• OneTrip Rental Car Protector: This rental insurance product provides coverage for rental car damage with collision, loss and damage up to $50,000. It also includes 24-hour emergency assistance.
• Required to Work: This add-on, which is included with the OneTrip Prime policy, provides trip cancellation and trip interruption coverage for work-related emergencies.

Policies Offered

The chart below outlines the travel insurance policies offered by Allianz to help you compare plan details and coverage limits.

Cost of Allianz Travel Insurance

According to our research, the average cost of Allianz is $275.

The cost of travel insurance depends on a range of factors, including your age, the destination and pre-existing medical conditions you may have. To help you understand costs when you get a quote, we gathered some samples from the Allianz website.

Use the chart below to compare Allianz's average cost to competitors:

Does Allianz Offer 24/7 Travel Assistance?

Allianz Global Assistance offers 24/7 travel assistance via a multilingual team for all travel insurance plans. The team helps travelers with issues pertaining to policy covered reasons for requiring help. This includes, but isn’t limited to, medical care arrangements, hotel and flight re-bookings and stolen travel documents.

Allianz Customer Reviews

Our research team considers customer reviews and ratings when formulating a company's overall score. At the time of this review, Allianz held a 4.4 out of 5-star rating on Trustpilot. To better understand what consumers like and dislike about Allianz, we read the most recent customer reviews featured on Trustpilot.  

What Customers Like

• Excellent customer service: Several customers were impressed with the company’s kind, helpful and professional customer service agents. This reviewer , in particular, stated that their local travel agent highly recommended the company.
• Quick claims processing: Many reviewers noted an immediate company response to their claims, along with a timely review and reimbursement.
• Easy enrollment process: New policyholders, such as this one , praised Allianz’s easy and straightforward enrollment process when purchasing a policy.

What Customers Don’t Like

• Frustrating claims experience: While many customers were pleased with their claims experience, some reviewers spoke of waiting months to receive reimbursement.
• Denial of claims: Several customers noted they had all the proper documents for a claim as outlined in their policy terms, yet were still denied.
• Confusion around payment: Several policyholders noted that they requested direct deposit for claims payment and received a check in the mail instead.

We reached out to Allianz for comment on its negative customer reviews and received a response from Daniel Durazo, director of external communications for Allianz Partners USA.  

“Allianz Travel Insurance is a customer-focused insurance company that works hard to provide products and services that meet the changing needs of consumers,” he said. “The company is proud of its 4.4 rating on Trustpilot and has received multiple awards for outstanding customer service. While insurance claims do take some time to process, the average time from claim receipt to approval is 17 days, and half of all claims are approved within six days.”

How To File a Claim with Allianz

You can file a claim with Allianz Global Assistance online on the File a Claim page or in the TravelSmart app . Alternatively, call 1-866-884-3556 for 24/7 assistance. Provide your policy number, departure date, and policy type, and the Allianz website will guide you through the process. You’ll need supporting claim documents—the Allianz website has the required documents for each type of claim.

The process is straightforward, but they also have a video to demonstrate how to file a claim . You can monitor the status of existing claims in the app or online.

Is Allianz Travel Insurance Worth It?

Allianz is a good option for travelers since it offers a broad range of travel insurance policy options to suit almost anyone. From the OneTrip Basic Plan to the AllTrips Premier Plan, each policy provides sufficient coverage for emergency medical and trip cancellations while catering to different budgets and types of trips. All policies offer a high level of emergency assistance with 24/7 access to company support.

The AllTrips Executive Plan is well suited to business travelers, with coverage for business and rental equipment included. For all travelers, a choice of optional policy upgrades is useful, including CFAR and OneTrip Rental Car Protector. You can speak to a representative to help you understand which plan is right for you. Whichever policy you choose, Allianz offers affordable safeguards for your travels.

Read More: Travel Insurance For Parents Visiting The USA

Frequently Asked Questions About Allianz Travel Insurance

How does allianz travel insurance work.

Allianz travel insurance reimburses you for financial losses covered by your policy, once you’ve filed and received approval for a claim. Depending on the policy chosen, travel insurance helps to recoup costs from trip cancellations, delayed baggage, medical emergencies and damaged valuables. Policy upgrades and access to 24/7 assistance are available with Allianz travel insurance.

Is Allianz a reputable company?

Yes, Allianz is a reputable company. Allianz, the parent company of Allianz Global Assistance, has a history that spans more than 100 years. Partners across the world include travel agencies, airlines and credit card companies. According to Allianz, approximately 55 million travelers use its services.

How much do Allianz travel insurance premiums cost?

The price of Allianz travel insurance depends on factors such as the cost of your trip, how long you’re traveling for, your age and pre-existing medical conditions you may have. Based on sample quotes we pulled for a $4,000 trip to Spain for two weeks, it would cost $134 to insure a 40 year-old New York resident under the OneTrip Basic Plan.

We recommend you request a free quote on the Allianz website to check rates and compare options before buying travel insurance.

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Methodology: Our System for Rating Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

If you have questions about this page, please reach out to our editors at [email protected] .

Allianz Travel Insurance Review 2024

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

While traveling can be a fun escape, it's an inherently risky activity with many variables to consider. So many worries can remove you from the joy of travel, which is where travel insurance can help.

Allianz Travel Insurance Global Assistance is a prominent leader in the travel insurance space that has been around in some form since 1890. Allianz offers a variety of travel insurance plans that can suit your individual needs. Read on to learn more about Allianz.

Allianz Travel Insurance Review

Allianz is one of the leaders in the travel insurance industry, included in our guide on the best international travel insurance . With 10 plans split between single trip, annual, and rental car insurance, Allianz has its bases covered. It also provides specific insurance for particular needs, such as annual policies for business travelers and sports equipment coverage for athletes. 

While Allianz is one of the best international travel insurance providers, it also has great CFAR coverage for its Prime and Premier single trip plans, covering 80% of nonrefundable travel expenses when most policies usually offer 75%. It's also great for families, with coverage for kids 17 and under in its One

Allianz is well reviewed among customers, receiving an average of 4.3 stars out of five across nearly 70,000 reviews on Trustpilot. Its Better Business Bureau page fares a little worse, receiving 3.64 stars out of five across 1,600 reviews. Positive reviews mentioned an easy and quick claims process with a responsive customer service team. However, negative reviews often mentioned difficulty specifically with claims for ticketed events.

Allianz also has a highly rated mobile app called Allyz TravelSmart through which you can contact customer service, view your plan, and file a claim. It received an average rating of 4.4 out of five stars on the Google Play store across over 2,600 reviews and 4.8 out of five stars from over 22,000 reviews on the Apple app store. 

Coverage Options Offered by Allianz

Allianz travel insurance offers different policies, grouped under two types: single trips and annual multi-trip insurance .

The company's travel insurance policies can include the following coverage types:

• Trip interruption coverage , which can help recoup costs if you leave a trip early.
• Travel delay , which can cover some costs if you need additional accommodations due to a delay in travel.
• Emergency medical transportation , which covers transportation to a hospital for eligible illnesses and injuries.
• Emergency medical expenses in case of a dental or medical emergency.
• Baggage delay , which can cover some costs if you need to purchase required items due to your bags being delayed by a certain period of time. Must have receipts for this.
• Baggage loss or damage , which can help recoup some costs if your bag is lost, stolen, or damaged.
• Epidemic coverage endorsement, which can help recoup costs if you must cancel a nonrefundable trip due to an epidemic. It's important to note that there may be limitations and this isn't an option everywhere.
• Travel accident coverage , which can cover costs related to an injury that results in loss of vision, your hands or feet, as well as loss of life.
• Support via a 24-hour hotline

Single-Trip Plans

The general budget option is OneTrip Basic, which can offer various protections should something happen, if you file a claim for a qualified reason.

One step up is the OneTrip Prime policy, one of the most popular plans Allianz offers. It has higher coverage limits than the Basic plan, along with some additional perks.

A more complete option is OneTrip Premier, which includes more comprehensive protections should you need them. This policy is for more extensive, longer trips and includes extras like SmartBenefits—which up to $100 per day for a covered travel or baggage delay with no receipts necessary, only proof of delay—and sports equipment loss coverage.

The coverage limits available vary by plan. Here's an overview of what each policy covers:

Other OneTrip Premier benefits not mentioned in the table above include:

• Sports Traveler, reimbursement up to $1,000 in the event of a missed sports event for a qualified reason
• Sports Equipment Loss, reimbursement up to $1,000 to cover damaged or lost sports equipment
• Sports Equipment Rental, reimbursement up to $1,000 for the cost to rent sports equipment if your equipment is damaged or lost
• Vehicle return, up to $750 reimbursement to return your vehicle to your home if you can't drive it for a qualified reason
• Adventure and sports exclusions changes, which allows you to waive some losses in the event you participate in high-risk activities like free diving at 30 ft, scuba diving at 100 ft, caving, and more

There are two additional single-trip plans from Allianz that offer more specialized coverage: One Trip Emergency and OneTrip Cancellation Plus.

OneTrip Emergency Medical

OneTrip Emergency Medical is a budget option that exclusively offers post-departure benefits to cover you while you're on your trip. As such, the plan doesn't include pre-departure benefits such as trip cancellation or interruption.

• Travel delay, up to $200 per day per person for a maximum of $1000 for delays of six hours and beyond
• Travel accident coverage, up to $10,000
• Emergency medical transportation, up to $250,000
• Emergency medical expenses, up to $50,000 though dental emergencies have a maximum of $750
• Baggage delay, up to $750 with a delay of 12 hours or more
• Baggage loss or damage, up to $2000
• Epidemic coverage endorsement
• Concierge services included

OneTrip Cancellation Plus

The OneTrip Cancellation Plus policy by Allianz is its economical back-to-basics option that can recoup costs in the event of a travel delay, interruption, or cancellation for a qualified reason. This policy includes:

• Travel interruption coverage, up to $5,000
• Trip cancellation coverage, up to $5,000
• Travel delay, up to $150 with delays of six hours and beyond

Multi-Trip Plans

The aforementioned policies are for single trips, but with Allianz travel insurance it's possible to get an annual/multi-trip policy.

The starter annual plan is the AllTrips Basic policy which includes the most basic coverage, and it excludes both trip interruption and trip cancellation coverage.

The AllTrips Prime policy is geared toward travelers who take a minimum of three trips each year and comes with additional coverage compared to the basic plan.

Another annual plan is the AllTrips Premier policy, which is geared toward frequent travelers and includes higher coverage limits and choices.

AllTrips Executive

Additionally, there's the AllTrips Executive policy, which may be a good fit if you're a frequent business traveler. Under this plan, personal travel is also covered. This policy includes:

• Trip interruption coverage, up to $5,000, $7,500, or $10,000
• Trip cancellation coverage, up to $5,000, $7,500 or $10,000
• Travel delay, with a daily limit of $200 up to $1,600 for delays of six hours and beyond
• Travel accident coverage, up to $50,000
• Baggage delay, up to $1,000 with a delay of 12 hours or more
• Baggage loss or damage, up to $1,000
• Rental car damage and theft coverage, up to $45,000
• Business equipment coverage, up to $1,000 in the event your business equipment gets lost or damaged
• Business equipment rental coverage, up to $1,000 in the event you need to rent business equipment due to loss, damage, or theft
• Change fee coverage, up to $500 to recoup costs of changing a ticket for a qualified reason
• Loyalty program redeposit fee coverage, up to $500 to recover fees lost due to getting loyalty points back after a canceled trip
• Pre-existing condition coverage available when purchased within 15 days of first trip deposit

Additional Coverage Offered by Allianz

Aside from the travel insurance policies from Allianz listed above that help travelers prepare for interruptions and cancellations, there are additional add-ons that can cover more.

OneTrip Rental Car Protector

If you're looking for rental car coverage, Allianz offers the OneTrip Rental Car Protector policy for $11 per day. This policy includes:

• Trip interruption coverage, up to $1,000
• Collision damage waiver, up to $50,000 which helps cover costs in the event your rental car is damaged in an accident or stolen

On top of the rental car coverage plan, with the OneTrip Prime plan, there's an optional upgrade to get Required to Work coverage. If there is a work-related emergency and you need to cancel for a qualified reason, this coverage can help recover expenses.

Cancel For Any Reason

An optional upgrade for OneTrip Prime and OneTrip Premier, Allianz cancel for any reason policy covers 80% of nonrefundable costs when canceling a trip for any reason. Allianz stands out compared to the best CFAR travel insurance as most policies only offer 75% coverage. 

What's Not Included with Allianz Travel Insurance?

Allianz travel insurance covers the basics and more and has some high-risk activity exclusions in the OneTrip Premier plan. Aside from that, Allianz travel insurance excludes the following:

• Acts of violence, such as war, terrorism, and civil unrest
• Risky adventure sports
• Unexpected natural disasters (OneTrip Premier allows cancellation due to hurricane warnings)
• Any travel alerts or government regulations and more

If you're interested in coverage for activities like scuba diving, skiing, and more, consider World Nomads, which covers more than 200 activities.

Allianz Travel Insurance Cost

Allianz single trip travel insurance estimates.

How much travel insurance costs with Allianz will depend on a variety of factors, including the type of policy you purchase. To get a quote with Allianz, you'll need to provide the following:

• Your destination
• Travel dates
• The state you live in
• The total cost of the trip

As of April 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following Allianz travel insurance quotes:

• $102 for OneTrip Basic
• $151 for OneTrip Prime
• $184 for OneTrip Premier

A 30-year-old traveler from California is heading to Japan for two weeks, costing $4,000. The Allianz travel insurance quotes are:

• $153 for OneTrip Basic
• $195 for OneTrip Prime
• $270 for OneTrip Premier

A couple of 65-years of age looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following Allianz travel insurance quotes:

• $298 for OneTrip Basic (total for two travelers)
• $400 for OneTrip Prime (total for two travelers)
• $540 for OneTrip Premier (total for two travelers)

Allianz travel insurance premiums generally stack up favorably against the average cost of travel insurance  which is $248 per trip, but again, the specifics of your trip will largely determine how much you'll pay to insure it.

Allianz Annual Multi-Trip Estimates

To receive a quote on Allianz annual plans, you don't need nearly as much information. You just need the following:

• Insurance start date
• Your state of residence

A 30-year-old New York resident looking for travel insurance will pay the following prices for annual travel insurance with Allianz:

• Allianz Basic: $125
• Allianz Premier: $249
• Allianz Executive: $459

A 60-year-old couple from Texas will pay the following: 

• Allianz Basic: $63 per traveler, $126 total
• Allianz Premier: $217.50 per traveler, $435 total
• Allianz Executive: $485 per traveler, $970 total

Filing A Claim with Allianz Travel Insurance

If you purchase a travel insurance policy through Allianz and experience a qualifying event, you can file a claim on the company's website or via its TravelSmart app.

To file a claim with Allianz, you'll need to submit information on their website or app about the type of claim and provide supporting documentation, as well as payment information to get reimbursed. You'll need to select the plan and include your email or policy number as well as your departure date.

If you need assistance when filing a claim with Allianz, you can reach the company at 1-866-884-3556. To reach out to Allianz online, you can submit your request via its contact form.

The Allianz mailing address is:

Allianz Global Assistance

P.O. Box 71533

Richmond, VA 23255-1533

Compare Allianz Travel Insurance

See how Allianz stacks up against the competition. 

Allianz Travel Insurance vs. AXA Travel Insurance

Competitor AXA travel insurance covers 75% of your nonrefundable costs if you choose to cancel, for any reason (as the name suggests) if you choose that as an upgrade and buy it two weeks before your first trip deposit. Allianz's CFAR policy covers 80% of nonrefundable costs.

That said, if we look at the travel insurance quotes based on a 30-year-old traveler from California going to Japan in the first two weeks of October paying a total of $4,000 for the trip, AXA travel insurance is more affordable. It's $97 for its Silver plan, which covers 100% trip cancellation and interruption. Compare this to $153 for the OneTrip Basic Plan through Allianz.

Read our AXA travel insurance review here.

Allianz Travel Insurance  vs. HTH Travel Insurance

Allianz is a good travel insurance option if you're looking for a variety of customized choices. Another competitor, HTH Worldwide Travel Insurance , has three trip protection options.

TripProtector Economy is HTH's budget option and may be a good fit if you're looking for higher medical coverage limits. This policy covers up to $75,000 in accident and sick benefits and $500 in dental benefits.

Plus, the policy covers up to $500,000 for an emergency evacuation. The OneTrip Basic policy from Allianz covers the same dental benefits but offers just $10,000 in medical expenses.

Read our HTH travel insurance review here.

Allianz vs. Credit Card Travel Insurance

A travel insurance policy can offer robust protections, but if you're looking for something basic for trip interruption or cancellation and rental car coverage, check your travel rewards credit card. If you experience illness, weather, or cancellations that affect your trip, you may be able to recoup costs.

Credit card travel insurance coverage may be a good fit for short trips where you don't have a ton of upfront prepaid costs. However, if you're going to be away for a while, have many prepaid expenses, and are concerned about medical coverage, traditional travel insurance may be your best bet.

Read our guide on the best credit cards with travel insurance here.

How We Reviewed Allianz Travel Insurance

As part of this Allianz travel insurance review, we looked at the top travel insurance providers in the space. We reviewed the variety of options offered, coverage limits, benefits, add-ons, flexibility, protocols, claims process, and affordability.

Allianz succeeds in offering many different policies aimed at everyday travelers, business travelers, and athletes. To find the best travel insurance option for you, check out several companies, review the benefits, and compare quotes.

Read more about our travel insurance methodology here.

Allianz Travel Insurance Frequently Asked Questions

Is allianz a good travel insurance company.

Allianz is a reputable and well-established travel insurance provider. The company offers various travel insurance policies for individual trips as well as annual plans. Coverage options may include trip interruption, trip cancellation, trip delay, emergency medical, and more. The company has mixed reviews from consumers but has an A+ rating with the Better Business Bureau.

How does Allianz cover COVID?

Nearly all travel insurance policies offered by Allianz cover COVID-19, aside from the OneTrip Rental Car Protector Plan. Through the Allianz Epidemic Coverage Endorsement, policyholders receive additional protections if they need to cancel a trip due to COVID. Unfortunately, while it's available in most plans it's not available in all jurisdictions, so be sure to read the fine print.

Which Allianz plan is best?

While the best plan is one best suited to your needs, Allianz's OneTrip Premier is the most robust policy, with high cancellation and interruption coverage. Additionally, kids 17 and under are included in coverage. This policy also includes unique benefits for athletes and adventurers thanks to sports equipment coverage.

Does Allianz require proof of incident?

If you need to file a claim, Allianz may require proof of incident in order to receive benefits. In cases of medical issues, you may need to provide a medical receipt or document. In other cases, you may need to provide other documentation for trip cancellation or trip interruption such as a death certificate, police report, or employment letter.

Does Allianz cover missed flights?

Allianz doesn't cover missed flights exactly but can help cover costs due to trip delays depending on your policy. So if you missed a connecting flight, you may be able to receive funds to recoup costs related to accommodations and transportation.

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Great price & easy to setup

Getting a quote and confirming was straight-forward to do. Great price in this current climate. Shopped around and there were only two options at a good price, others extortionate. Thank you Allianz. Hopefully I can stick to the no claims with you, fingers crossed.

Date of experience : 25 April 2024

Flow insurance (online)

Allianz have been in touch via this platform and I have resolved the matter - thankyou. But still haven’t had an email from digital team. I have sent confirmation of who I am this morning to verify I am a customer. I had insurance with flow via Allianz platform. Price is very competitive hence 3 star rating. However I don’t need to renew this year as I have sold car. I tried emailing digital help email but had no reply. When I tried to cancel they wanted me to pay 93p to exit prior to renewal date. With better communication this is a very competitive product in the current climate.

Date of experience : 22 April 2024

Reply from Allianz car insurance

Hi Phil, Thank you for leaving us a review. If you do not want to renew you can log into your account and select 'account details' where you can turn off the automatic renewal. There is no need to process a cancellation of the policy. I hope this helps but if you need us please email [email protected] Kind Regards, Sophie

I got all the way to the end of the…

I got all the way to the end of the payment process (including adding all my details) to have my AMEX card refused! Why didn't you say that at the beginning ..... I may have chosen to go elsewhere

Date of experience : 28 April 2024

Excellent service - no fuss

I only had to fill in the details once on my insurance hunt and when this policy was offered it made it so easy to exchange my insurer. The easiest and best value insurance application I have had to do.

Date of experience : 26 April 2024

New customer…

Only just bought car insurance from them, was easy to do and had no problems, will give another review when been with them for a while!

Great simple process

Simple effective method of getting a quote but was unable to amend the start date which was a little bit of a pain. Great policy with high defacto rating.

Date of experience : 27 April 2024

Great service

Competitive quote, easy to navigate website clear and simple process. Thank you

Date of experience : 01 May 2024

Competitive quote

Competitive quote. Easy to purchase car insurance. It would be good to review all the information submitted before payment rather than checking afterwards.

Date of experience : 30 April 2024

Best & Easy

Best renewal price offered & with a well known provider. Web site easy to negotiate, even for an old fuddy duddy like me.

Fair price under current economic…

Fair price under current economic climate. Have not needed to use customer services so cannot speak about this but the automated service is user friendly and I have not had any issues to date

Really easy n fully packed…

Really easy n fully packed comprehensive cover for a lot less than I was paying

Date of experience : 28 February 2024

A car insurance company that reduces…

A car insurance company that reduces your renewal quote instead of hiking it up like all the other do. Well done Allianz, you are restoring faith in the car insurance industry and rewarding your customers who do not make a claim. Shame on all the other insurance companies!

Date of experience : 21 April 2024

Policy was easy to set up online and price was quite competitive

Policy was easy to set up online. price was quite competitive which included some good options such as legal cost and curtsy car.

Date of experience : 23 April 2024

easy to use and navigate

easy to use and navigate. love the option of choosing installments but paying them off at any time

got quote via go compare allianz site…

got quote via go compare allianz site easy to use nearly half the renewal price from lv

Easing the experience

Nothing is great for me when l have to do it online Much prefer to speak on phone However l found the experience a bit easier with Allianz Thank you

Date of experience : 24 April 2024

Relatively simple process

Relatively simple process. Web form needs some attention as it does not like alterations being made. Kicked me out and had to start over.

Not sure what this company is about

Not sure what this company is about. Recently taken over Flow insurance and mine is due for renewal. Completely out of the blue they will not renew my insurance. 75 years of age, Completely unblemished driving record. Motorbike and car driving 59 years. No explanation, unbelievable. Even after emailing the company as suggested, all that I received was a trite script explaining nothing. To say that I find this company useless is an overstatement.

Date of experience : 29 April 2024

Hi Geoffrey, Thanks for leaving us a review - I’m sorry to hear about your issue. To help us put this right, please email [email protected] with your full name, address and vehicle registration along with a summary of what happened. One of us will look into this for you and get back to you as soon as possible. Thanks, Sophie

Great value car insurance

Great value car insurance. Easy and quick quotations.

Great pricefollow…

The price was great and easy to follow Web site, I would highly recommend the company.

• Travel Insurance Plans
• AXA Assistance USA Cost

Compare AXA Travel Insurance

• Why You Should Trust Us

AXA Assistance USA Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Travel insurance is important because it can help cover the cost of unexpected medical expenses while you're traveling. It can also reimburse you for lost or stolen baggage, canceled flights, and other unforeseeable problems that may occur while you're away from home.

Simply put, there's a lot to consider.

But not all policies are created equal, and you must understand what you're covered for before you purchase a policy. This article will look in-depth at AXA Assistance USA travel insurance. We'll discuss the costs, coverage limits, exclusions, and more to help you make an informed decision about whether or not this particular travel insurance provider is right for you.

• Trip cancellation coverage of up to 100% of the trip cost
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous medical evacuation coverage
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $1,500 per person coverage for missed connections on cruises and tours
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Covers loss of ski, sports and golf equipment
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous baggage delay, loss and trip delay coverage ceilings per person
• con icon Two crossed lines that form an 'X'. Cancel for any reason (CFAR) coverage only available for most expensive Platinum plan
• con icon Two crossed lines that form an 'X'. CFAR coverage ceiling only reaches $50,000 maximum despite going up to 75%

AXA Assistance USA keeps travel insurance simple with gold, silver, and platinum plans. Emergency medical and CFAR are a couple of the options you can expect. Read on to learn more about AXA.

• Silver, Gold, and Platinum plans available
• Trip interruption coverage of up to 150% of the trip cost
• Emergency medical coverage of up to $250,000

Introduction to AXA Travel Insurance

AXA Assistance USA is among the best travel insurance companies . It covers the fundamentals of travel insurance, with coverage for trip cancellations, medical expenses, and emergency medical/non-medical evacuation. With three plans, AXA also offers coverage for travelers with various budgets.

It's worth noting that many important add-ons aren't available for AXA's cheapest Silver plan, such as pre-existing condition coverage, rental car add-ons, and Schengen travel insurance. Cancel for any reason coverage is also only available for AXA's most expensive Platinum plan. 

Coverage Options Offered by AXA 

AXA Assistance USA offers three levels of coverage: Silver, Gold, and Platinum. Each plan comes with different protections and varying coverage limits, with the Silver being the most basic option and Platinum offering the most premium coverage.

Some policies might even include added coverage free of charge, such as a waiver for pre-existing conditions , which is free for Gold and Platinum plans as long as you purchase your plan within 14 days of your trip deposit.

Specialized Coverage Options

The plan you purchase will determine which add-ons are available. For example, those with a Platinum plan can add CFAR (cancel for any reason) coverage , allowing you to receive a full refund if you cancel your trip within 14 days of making the initial deposit.

Or, if you want extra protection for your rental car, depending on your AXA plan, you might be able to add a collision damage waiver (CDW). Policyholders with Gold plans can add $35,000 CDW, and those with Platinum plans can include $50,000 CDW.

If you're traveling within the Schengen Territory, which is made up of 27 European countries, you may eligible for Schengen Travel Insurance, which covers you in all 27 countries. This option is only available for Gold and Platinum travelers and coverage lasts up to 90 days.

AXA Assistance USA Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The average cost of travel insurance is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for the plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate AXA's coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following  AXA travel insurance quotes:

• AXA Silver: $83
• AXA Gold: $107
• AXA Platinum: $127

Premiums for AXA plans are between 2.7% and 4.2% of the trip's cost, well below the average cost of travel insurance. It's also relatively cheap compared to many of its competitors

AXA provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• AXA Silver: $109
• AXA Gold: $128
• AXA Platinum: $153

Once again, premiums forAXA plans are between 3.6% and 3.8%, below the average cost for travel insurance.

A 65-year-old couple looking to escape New York for Mexico for two weeks with a trip cost of $6,000 would have the following AXA quotes:

• AXA Silver: $392
• AXA Gold: $462
• AXA Platinum: $550

Premiums for AXA plans are between 6.5% and 9.2%, which is roughly in line with the average cost for travel insurance. This is to be expected, as travel insurance is often more expensive for older travelers.

How to Purchase and Manage Your AXA Policy

The process of purchasing an AXA policy is simple. After obtaining your quote, you'll need to decide which of AXA's three plans you want to buy. When you pay for your plan, be prepared to provide additional personal information, like your birthday, phone number, and address. 

Once you finalize your purchase, you'll have a 10-day free look period, in which you can cancel your policy and get your money back. 

How to File a Claim with AXA Travel Insurance

To file a claim with AXA Assistance USA, head to the claims forms online to find the appropriate form. Once you've filled out your form and gathered the required documentation, you can email them to [email protected] or send them by mail to:

AXA Assistance USA

On Behalf of Nationwide Mutual Insurance Company and Affiliated Companies

P.O. Box 26222

Tampa, FL 33623

If you need assistance when filing claims, AXA's claims office can be reached at 1-888-957-5015 (within the U.S.) and 1-727-450-8794 (outside the U.S.). Office hours are 9:30 a.m.-5 p.m. ET on Thursdays and 8:30 a.m.-5 p.m. ET on all other weekdays. 

AXA Customer Service Reviews

AXA's U.S. branch has few reviews on Trustpilot and the Better Business Bureau — just over 20 between the two sites. Its UK branch has over 1,100 reviews, most of which are overwhelmingly negative. However, the quality of AXA Travel Insurance UK isn't necessarily indicative of its U.S. coverage. 

In fact, on SquareMouth, where the majority of AXA U.S.'s reviews, reviews are generally positive. It received an average of 4.22 stars out of five across over 900 reviews. Customers reported that adjusting an AXA policy was easy and the customer service team was responsive. However, reviews on the claims process was more mixed, with spotty communication and long wait times. 

See how AXA travel insurance compares to top travel insurance providers.

AXA Assistance USA vs. AIG Travel Guard

When comparing AXA to Travel Guard , we'll look at the coverage levels from their mid-tier plans, the Silver plan and Travel Guard Preferred plan, respectively.

With Travel Guard Preferred plan, you'll get:

• Trip cancellation coverage up to $150,000
• Trip interruption coverage up to $225,000
• Emergency medical coverage of $50,000
• Coverage for baggage loss, theft, or damage up to $1,000
• Travel delay coverage of up to $800

Comparing those Travel Guard coverages with AXA's Silver plan, you'll see that AXA's coverage limits are a bit higher. With AXA's Silver plan you'll get $100,000 in emergency medical coverage, for example. And the baggage loss coverage limit is up to $1,500.

If you're looking for greater coverage limits, AXA makes the most sense in this scenario. But premiums will also vary based on factors like the traveler's age, trip destination, and trip cost. So you'll have to run your own numbers to make a final decision.

Read our AIG Travel Insurance review here.

AXA Assistance USA vs. Allianz Travel Insurance

Allianz Travel Insurance provides single-trip and multi-trip insurance for travelers who want to go abroad for an extended period of time. And, like with all insurance, the various plans have varying degrees of coverage.

Allianz Travel Insurance's most popular single-trip option is the OneTrip Prime plan, which offers:

• Trip cancellation coverage up to $100,000
• Trip interruption coverage up to $150,000
• Emergency medical coverage for $50,000
• Coverage for baggage loss, theft or damage up to $1,000
• Travel delay coverage up to $800

Looking at AXA's mid-tier Silver plan, you'll see that, again, AXA offers more coverage for emergency medical and baggage loss, theft, or damage than Allianz Travel Insurance. That said, if cost is an essential factor for you, you'll have to get quotes using your personal trip information to make an informed decision.

Read our Allianz Travel Insurance review here.

AXA Assistance USA vs. Credit Card Travel Insurance

Already have a great travel credit card, like the Chase Sapphire Reserve or American Express Platinum? Some of the standard coverages, such as rental car insurance, may be included in the card you already have. It's a good idea to research the terms of your credit card's travel protection before purchasing a separate travel insurance policy.

If you're driving to your destination and don't have any non-refundable trip expenses, the coverage from your credit card may be enough. Another time it might work is if you have health insurance covering you while abroad and you're in good health without worrying about possible medical costs.

It's essential to remember that credit card coverage is usually secondary. This means you'll have to file a claim with the other applicable insurance before filing a claim with your credit card company.

Read our guide on the best credit cards with travel insurance here.

Why You Should Trust Us: How We Reviewed AXA Assistance USA

We researched AXA by evaluating its travel insurance plans compared to other plans from the top travel insurance companies. The aspects we looked at included, but were not limited to, different coverage options, claims limits, what is covered, available add-ons, and extra services for policy holders.

What's important when choosing a policy isn't just the price — it's making sure you're getting adequate coverage that meets your needs without breaking the bank. Filing a claim should also be easy and stress-free if you ever have to use your policy.

Read more about how Business Insider rates insurance products here.

AXA Assistance USA FAQs

If you're diagnosed with COVID-19 before a trip and need to cancel, AXA may cover your expenses. Additionally, a COVID-19 diagnosis during a trip may be covered under AXA's medical expense, trip interruption, and trip delay benefits. Be sure to review your policy to ensure coverage details. 

While you may extend your coverage in certain circumstances, such as extended hospitalization, and update your travel dates prior to your departure, you can't extend AXA travel insurance plans while you're traveling. 

AXA's Gold and Platinum plan cover pre-existing medical conditions as long as you purchase your policy within 14 days of your initial trip deposit. AXA's Silver plan does not cover pre-existing conditions and has a 60-day look-back period. 

You can download AXA claims forms on its website and email them to [email protected].

AXA isn't the most flexible travel insurance company and isn't great at specializing, but it offers comprehensive general coverage. Its prices aren't significantly more expensive or cheaper than its competitors. 

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